Overcoming challenges to facilitate an insurance buy-in

<!doctype html> <html lang="en-GB"> <head>  <script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-TKG8ZXC');</script>  <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1"> <link rel="profile" href="https://gmpg.org/xfn/11">  <script type="text/javascript" id="hs-script-loader" async defer src="//js-eu1.hs-scripts.com/27065597.js"></script>  <meta name='robots' content='index, follow, max-image-preview:large, max-snippet:-1, max-video-preview:-1' />  <title>Overcoming challenges to facilitate an insurance buy-in - Isio</title> <link rel="canonical" href="https://www.isio.com/success-stories/overcoming-challenges-to-facilitate-an-insurance-buy-in/" /> <meta property="og:locale" content="en_GB" /> <meta property="og:type" content="article" /> <meta property="og:title" content="Overcoming challenges to facilitate an insurance buy-in" /> <meta property="og:url" content="https://www.isio.com/success-stories/overcoming-challenges-to-facilitate-an-insurance-buy-in/" /> <meta property="og:site_name" content="Isio" /> <meta property="article:modified_time" content="2023-12-13T11:06:38+00:00" /> <meta property="og:image" content="https:///app/uploads/2023/11/AdobeStock_606153960_LOWRES.jpg" /> <meta property="og:image:width" content="1309" /> <meta property="og:image:height" content="734" /> <meta property="og:image:type" content="image/jpeg" /> <meta name="twitter:card" content="summary_large_image" /> <meta name="twitter:label1" content="Estimated reading time" /> <meta name="twitter:data1" content="2 minutes" /> <script type="application/ld+json" class="yoast-schema-graph">{"@context":"https://schema.org","@graph":[{"@type":"WebPage","@id":"https://www.isio.com/success-stories/overcoming-challenges-to-facilitate-an-insurance-buy-in/","url":"https://www.isio.com/success-stories/overcoming-challenges-to-facilitate-an-insurance-buy-in/","name":"Overcoming challenges to facilitate an insurance buy-in - Isio","isPartOf":{"@id":"https://www.isio.com/#website"},"primaryImageOfPage":{"@id":"https://www.isio.com/success-stories/overcoming-challenges-to-facilitate-an-insurance-buy-in/#primaryimage"},"image":{"@id":"https://www.isio.com/success-stories/overcoming-challenges-to-facilitate-an-insurance-buy-in/#primaryimage"},"thumbnailUrl":"https://www.isio.com/app/uploads/2023/11/AdobeStock_606153960_LOWRES.jpg","datePublished":"2023-12-08T09:10:04+00:00","dateModified":"2023-12-13T11:06:38+00:00","breadcrumb":{"@id":"https://www.isio.com/success-stories/overcoming-challenges-to-facilitate-an-insurance-buy-in/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https://www.isio.com/success-stories/overcoming-challenges-to-facilitate-an-insurance-buy-in/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https://www.isio.com/success-stories/overcoming-challenges-to-facilitate-an-insurance-buy-in/#primaryimage","url":"https://www.isio.com/app/uploads/2023/11/AdobeStock_606153960_LOWRES.jpg","contentUrl":"https://www.isio.com/app/uploads/2023/11/AdobeStock_606153960_LOWRES.jpg","width":1309,"height":734},{"@type":"BreadcrumbList","@id":"https://www.isio.com/success-stories/overcoming-challenges-to-facilitate-an-insurance-buy-in/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://www.isio.com/"},{"@type":"ListItem","position":2,"name":"Success stories","item":"https://www.isio.com/success-stories/"},{"@type":"ListItem","position":3,"name":"Overcoming challenges to facilitate an insurance buy-in"}]},{"@type":"WebSite","@id":"https://www.isio.com/#website","url":"https://www.isio.com/","name":"Isio","description":"","publisher":{"@id":"https://www.isio.com/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https://www.isio.com/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https://www.isio.com/#organization","name":"Isio","url":"https://www.isio.com/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https://www.isio.com/#/schema/logo/image/","url":"https://www.isio.com/app/uploads/2023/08/logo-1.png","contentUrl":"https://www.isio.com/app/uploads/2023/08/logo-1.png","width":120,"height":59,"caption":"Isio"},"image":{"@id":"https://www.isio.com/#/schema/logo/image/"}}]}</script>  <link rel='dns-prefetch' href='//cdn.jsdelivr.net' /> <link rel='dns-prefetch' href='//www.isio.com' /> <link rel="alternate" type="application/rss+xml" title="Isio » Feed" href="https://www.isio.com/feed/" /> <link rel="alternate" type="application/rss+xml" title="Isio » Comments Feed" href="https://www.isio.com/comments/feed/" /> <style id='wp-emoji-styles-inline-css'> img.wp-smiley, img.emoji { display: inline !important; border: none !important; box-shadow: none !important; height: 1em !important; width: 1em !important; margin: 0 0.07em !important; vertical-align: -0.1em !important; background: none !important; padding: 0 !important; } </style> <link rel='stylesheet' id='wp-block-library-css' href='https://www.isio.com/wp/wp-includes/css/dist/block-library/style.min.css?ver=6.6.2' media='all' /> <style id='global-styles-inline-css'> :root{--wp--preset--aspect-ratio--square: 1;--wp--preset--aspect-ratio--4-3: 4/3;--wp--preset--aspect-ratio--3-4: 3/4;--wp--preset--aspect-ratio--3-2: 3/2;--wp--preset--aspect-ratio--2-3: 2/3;--wp--preset--aspect-ratio--16-9: 16/9;--wp--preset--aspect-ratio--9-16: 9/16;--wp--preset--color--black: #000000;--wp--preset--color--cyan-bluish-gray: #abb8c3;--wp--preset--color--white: #ffffff;--wp--preset--color--pale-pink: #f78da7;--wp--preset--color--vivid-red: #cf2e2e;--wp--preset--color--luminous-vivid-orange: #ff6900;--wp--preset--color--luminous-vivid-amber: #fcb900;--wp--preset--color--light-green-cyan: #7bdcb5;--wp--preset--color--vivid-green-cyan: #00d084;--wp--preset--color--pale-cyan-blue: #8ed1fc;--wp--preset--color--vivid-cyan-blue: #0693e3;--wp--preset--color--vivid-purple: #9b51e0;--wp--preset--color--background: #ffffff;--wp--preset--color--foreground: #404040;--wp--preset--color--primary: #b91c1c;--wp--preset--color--secondary: #15803d;--wp--preset--color--tertiary: #0369a1;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple: linear-gradient(135deg,rgba(6,147,227,1) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan: linear-gradient(135deg,rgb(122,220,180) 0%,rgb(0,208,130) 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange: linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red: linear-gradient(135deg,rgba(255,105,0,1) 0%,rgb(207,46,46) 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray: linear-gradient(135deg,rgb(238,238,238) 0%,rgb(169,184,195) 100%);--wp--preset--gradient--cool-to-warm-spectrum: linear-gradient(135deg,rgb(74,234,220) 0%,rgb(151,120,209) 20%,rgb(207,42,186) 40%,rgb(238,44,130) 60%,rgb(251,105,98) 80%,rgb(254,248,76) 100%);--wp--preset--gradient--blush-light-purple: linear-gradient(135deg,rgb(255,206,236) 0%,rgb(152,150,240) 100%);--wp--preset--gradient--blush-bordeaux: linear-gradient(135deg,rgb(254,205,165) 0%,rgb(254,45,45) 50%,rgb(107,0,62) 100%);--wp--preset--gradient--luminous-dusk: linear-gradient(135deg,rgb(255,203,112) 0%,rgb(199,81,192) 50%,rgb(65,88,208) 100%);--wp--preset--gradient--pale-ocean: linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 50%,rgb(51,167,181) 100%);--wp--preset--gradient--electric-grass: linear-gradient(135deg,rgb(202,248,128) 0%,rgb(113,206,126) 100%);--wp--preset--gradient--midnight: linear-gradient(135deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%);--wp--preset--font-size--small: 13px;--wp--preset--font-size--medium: 20px;--wp--preset--font-size--large: 36px;--wp--preset--font-size--x-large: 42px;--wp--preset--spacing--20: 0.44rem;--wp--preset--spacing--30: 0.67rem;--wp--preset--spacing--40: 1rem;--wp--preset--spacing--50: 1.5rem;--wp--preset--spacing--60: 2.25rem;--wp--preset--spacing--70: 3.38rem;--wp--preset--spacing--80: 5.06rem;--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgba(255, 255, 255, 1), 6px 6px rgba(0, 0, 0, 1);--wp--preset--shadow--crisp: 6px 6px 0px rgba(0, 0, 0, 1);}:root { --wp--style--global--content-size: 40rem;--wp--style--global--wide-size: 60rem; }:where(body) { margin: 0; }.wp-site-blocks > .alignleft { float: left; margin-right: 2em; }.wp-site-blocks > .alignright { float: right; margin-left: 2em; }.wp-site-blocks > .aligncenter { justify-content: center; margin-left: auto; margin-right: auto; }:where(.is-layout-flex){gap: 0.5em;}:where(.is-layout-grid){gap: 0.5em;}.is-layout-flow > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}.is-layout-flow > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}.is-layout-flow > .aligncenter{margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}.is-layout-constrained > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}.is-layout-constrained > .aligncenter{margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > :where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width: var(--wp--style--global--content-size);margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > .alignwide{max-width: var(--wp--style--global--wide-size);}body .is-layout-flex{display: flex;}.is-layout-flex{flex-wrap: wrap;align-items: center;}.is-layout-flex > :is(*, div){margin: 0;}body .is-layout-grid{display: grid;}.is-layout-grid > :is(*, div){margin: 0;}body{padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding-left: 0px;}a:where(:not(.wp-element-button)){text-decoration: underline;}:root :where(.wp-element-button, .wp-block-button__link){background-color: #32373c;border-width: 0;color: #fff;font-family: inherit;font-size: inherit;line-height: inherit;padding: calc(0.667em + 2px) calc(1.333em + 2px);text-decoration: none;}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-background-color{color: var(--wp--preset--color--background) !important;}.has-foreground-color{color: var(--wp--preset--color--foreground) !important;}.has-primary-color{color: var(--wp--preset--color--primary) !important;}.has-secondary-color{color: var(--wp--preset--color--secondary) !important;}.has-tertiary-color{color: var(--wp--preset--color--tertiary) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-background-background-color{background-color: var(--wp--preset--color--background) !important;}.has-foreground-background-color{background-color: var(--wp--preset--color--foreground) !important;}.has-primary-background-color{background-color: var(--wp--preset--color--primary) !important;}.has-secondary-background-color{background-color: var(--wp--preset--color--secondary) !important;}.has-tertiary-background-color{background-color: var(--wp--preset--color--tertiary) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-background-border-color{border-color: var(--wp--preset--color--background) !important;}.has-foreground-border-color{border-color: var(--wp--preset--color--foreground) !important;}.has-primary-border-color{border-color: var(--wp--preset--color--primary) !important;}.has-secondary-border-color{border-color: var(--wp--preset--color--secondary) !important;}.has-tertiary-border-color{border-color: var(--wp--preset--color--tertiary) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;} :where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;} :where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;} :root :where(.wp-block-pullquote){font-size: 1.5em;line-height: 1.6;} </style> <link rel='stylesheet' id='swiper-css-css' href='https://cdn.jsdelivr.net/npm/swiper@10/swiper-bundle.min.css?ver=6.6.2' media='all' /> <link rel='stylesheet' id='isio-style-css' href='https://www.isio.com/app/themes/isio/theme/style.css?ver=0.1.0' media='all' /> <link rel="https://api.w.org/" href="https://www.isio.com/wp-json/" /><link rel="alternate" title="JSON" type="application/json" href="https://www.isio.com/wp-json/wp/v2/success-story/15051" /><link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://www.isio.com/wp/xmlrpc.php?rsd" /> <meta name="generator" content="WordPress 6.6.2" /> <link rel='shortlink' href='https://www.isio.com/?p=15051' /> <link rel="icon" href="https://www.isio.com/app/uploads/2024/09/Website-thumbnail-512x512-1-95x95.png" sizes="32x32" /> <link rel="icon" href="https://www.isio.com/app/uploads/2024/09/Website-thumbnail-512x512-1-300x300.png" sizes="192x192" /> <link rel="apple-touch-icon" href="https://www.isio.com/app/uploads/2024/09/Website-thumbnail-512x512-1-300x300.png" /> <meta name="msapplication-TileImage" content="https://www.isio.com/app/uploads/2024/09/Website-thumbnail-512x512-1-300x300.png" />  <script async src=https://www.googletagmanager.com/gtag/js?id=AW-11371773957></script> <script> window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'AW-11371773957'); </script> <style id="rocket-lazyrender-inline-css">[data-wpr-lazyrender] {content-visibility: auto;}</style><meta name="generator" content="WP Rocket 3.17.2.1" data-wpr-features="wpr_automatic_lazy_rendering" /></head> <body class="success-story-template-default single single-success-story postid-15051 wp-custom-logo wp-embed-responsive">  <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-TKG8ZXC" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>  <div id="page"> <a href="#content" class="sr-only">Skip to content</a> <header id="masthead" class="relative"> <div x-data="{ search_bar: {desktop_open: false, mobile_open: false} }" class="nav-wrapper border-b border-neutral-200 "> <div class="container md:mx-2 lg:mx-auto"> <div class=" flex justify-between md:px-0 bg-white z-50"> <div class="xl:pr-12 py-2 xl:py-6 pr-2"> <a href="https://www.isio.com/"> <img class="w-[100px] md:w-[120px] max-w-none" src="https://www.isio.com/app/themes/isio/theme/images/header-logo.png" alt="ISIO logo"> </a> </div> <div class="flex md:hidden ml-auto gap-6"> <button x-on:click="search_bar.mobile_open = ! search_bar.mobile_open"> <svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke-width="1.5" class="stroke-brandGreen w-6 h-6"> <path stroke-linecap="round" stroke-linejoin="round" d="M21 21l-5.197-5.197m0 0A7.5 7.5 0 105.196 5.196a7.5 7.5 0 0010.607 10.607z" /> </svg> </button> <button id="toggle-mobile-menu" type="button" class="-m-2.5 inline-flex items-center justify-center p-2.5 text-gray-700"> <span class="sr-only">Open main menu</span> <svg xmlns="http://www.w3.org/2000/svg" width="30" height="30" viewBox="0 0 30 14" fill="none"> <path d="M-0.000976562 1H29.999" stroke="#00BA8D" stroke-width="2"/> <path d="M-0.000976562 7H29.999" stroke="#00BA8D" stroke-width="2"/> <path d="M-0.000976562 7H29.999" stroke="#00BA8D" stroke-width="2"/> <path d="M-0.000976562 13H29.999" stroke="#00BA8D" stroke-width="2"/> </svg> </button> </div> <div class="hidden md:flex grow pr-5"> <nav x-show="!search_bar.desktop_open" id="desktop-nav" class="hidden md:flex md:flex-grow justify-center gap-x-5 xl:gap-x-3 2xl:gap-x-8"> <li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/what-we-do/">What we do</a></div> <section class="mega-menu mega-menu-columns hidden"> <div> <div class="container"> <div class="mega-menu-headings grid grid-cols-4 gap-8 2xl:gap-20"> <h3 class="h3">Pensions</h3> <h3 class="h3">Benefits</h3> <h3 class="h3">Investment</h3> <h3 class="h3">Wealth</h3> </div> </div> <div class="horizontal-divider"></div> <div class="container"> <div class="grid grid-cols-4 gap-8 2xl:gap-20"> <div class="flex flex-col"> <ul> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/defined-benefit-consulting/">DB consulting</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/dc-consulting/">DC consulting</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/pensions-administration//">Pensions administration</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/secretarial-and-outsourced-pensions/">Secretarial & outsourced pension management</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/db-consolidation/">DB consolidation</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/settlement/">Insurance & risk settlement</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/regulatory-risk-rectification/">Pension remediation</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/operational-solutions/">Operational solutions</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/hr-and-pensions-ma/">HR and pensions M&A</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/covenant-solutions/">Covenant solutions</a></li> </ul> <div class="pt-3 xl:pt-4 mt-auto"> <a href="https://www.isio.com/what-we-do/pensions/" class="view-all-link">All pensions services</a> </div> </div> <div class="flex flex-col"> <ul> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/strategic-benefit-design/">Strategic benefit design</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/risk-and-healthcare/">Risk & healthcare</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/benefits-technology/">Benefits technology</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/employee-support-and-financial-wellbeing/">Employee support & financial wellbeing</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/pay-modelling/">Pay modelling</a></li> </ul> <div class="pt-3 xl:pt-4 mt-auto"> <a href="https://www.isio.com/what-we-do/benefits/" class="view-all-link">All benefits services</a> </div> </div> <div class="flex flex-col"> <ul> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/private-capital/">Private Capital</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/dc-investment/">DC investment</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/db-investment/">DB investment</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/liability-hedging-and-ldi/">Liability hedging & LDI</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/investment-manager-research/">Investment manager research </a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/sustainable-investment/">Sustainable investment</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/fiduciary-management-oversight/">Fiduciary management oversight</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/buy-ins-and-buy-outs/">Buy-ins and buy-outs</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/i-flo/">i-FLO</a></li> </ul> <div class="pt-3 xl:pt-4 mt-auto"> <a href="https://www.isio.com/what-we-do/investment/" class="view-all-link">All investment services</a> </div> </div> <div class="flex flex-col"> <ul> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/wealth/wealth-management/">Wealth management</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/wealth/member-advice/">Member advice</a></li> </ul> <div class="pt-3 xl:pt-4 mt-auto"> <a href="https://www.isio.com/what-we-do/wealth/" class="view-all-link">All wealth services</a> </div> </div> </div> </div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/solutions/">Solutions for you</a></div> <section class="mega-menu hidden bg-brandGreen text-white shadow-lg"> <div> <div class="container"> <div class="grid grid-cols-4 gap-20"> <div class="flex flex-col"> <div class="text-xl pt-4 pb-3 font-normal">Trustees</div> <p class="leading-6 text-base font-light xl:text-lg xl:leading-6">Collaborative, clear advice to power informed and effective decision-making.</p> <div class="pt-5 mt-auto"> <a href="https://www.isio.com/solutions/trustees/" class="view-all-link">View more</a> </div> </div> <div class="flex flex-col"> <div class="text-xl pt-4 pb-3 font-normal">Employers</div> <p class="leading-6 text-base font-light xl:text-lg xl:leading-6">Strategic solutions for employers with ambition.</p> <div class="pt-5 mt-auto"> <a href="https://www.isio.com/solutions/employers/" class="view-all-link">View more</a> </div> </div> <div class="flex flex-col"> <div class="text-xl pt-4 pb-3 font-normal">Individuals</div> <p class="leading-6 text-base font-light xl:text-lg xl:leading-6">Building a better financial future for everyone.</p> <div class="pt-5 mt-auto"> <a href="https://www.isio.com/solutions/individuals/" class="view-all-link">View more</a> </div> </div> <div class="flex flex-col"> <div class="text-xl pt-4 pb-3 font-normal">Are you a pension scheme member?</div> <p class="text-base">If you are a member of a pension scheme or you are looking for information about your pension, please visit YourIsio.com</p> <div class="pt-5 mt-auto"> <a href="https://www.yourisio.com/" class="text-base pt-2 small-arrow arrow-white underline">Visit YourIsio.com</a> </div> </div> </div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/digital/">Digital services</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Digital services</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">Solutions that combine deep pensions expertise with digital prowess.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/digital-product-development/">Digital product development</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/data-services/">Data services</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/digital-transformation-and-change/">Digital transformation and change</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/member-engagement/">Member engagement</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/quantitative-development-services/">Quantitative development services</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-custom menu-item-object-custom'><div class="relative flex items-center h-full menu-link-wrapper"><a href="/insights">Insights</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Insights</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">The big issues facing our industry.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/us-election-result-what-does-this-mean-for-markets-and-investors/">US election result: what does this mean for markets and investors?</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/">The key takeaways from a highly anticipated Budget</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/lgps-england-wales-low-risk-funding-index-30-september-2024-results/">LGPS (England & Wales) Low-Risk Funding Index: 30 September 2024 results</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/news/isio-quarterly-october-2024/">Isio Quarterly October 2024</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/news/isio-acquires-k3-advisory-to-bolster-risk-settlement-capabilities/">Isio acquires K3 Advisory to bolster risk settlement capabilities</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/changing-dynamics-for-in-house-pensions-managers/">Changing dynamics for in-house pensions managers</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/royal-mail-delivers-a-return-to-collectivism/">Royal Mail delivers a return to collectivism</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/royal-londons-entry-into-the-bulk-annuity-market/">Get your benefits right or risk losing top talent</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" href="https://www.isio.com/2024/02/29/outpacing-change/"> <div class="relative overflow-hidden object-cover w-full h-[220px]"> <img width="366" height="187" src="https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-366x187.png" class="w-full h-full object-cover" alt="" decoding="async" fetchpriority="high" srcset="https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-366x187.png 366w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-300x153.png 300w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-1024x523.png 1024w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-768x392.png 768w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-1536x784.png 1536w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-720x368.png 720w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-95x49.png 95w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-354x181.png 354w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-980x500.png 980w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-170x87.png 170w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail.png 1735w" sizes="(max-width: 366px) 100vw, 366px" /> <div class="absolute bottom-0 left-0 px-5 py-1 bg-white/80"> <span class="text-base text-brandGreen font-semibold uppercase">post</span> <span class="text-base 2xl:text-lg pl-6 text-black">Outpacing change</span> </div> </div> </a> <a class="featured-link" href="https://www.isio.com/2024/02/29/outpacing-change/">Outpacing change</a> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/about-us/">About us</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Find out more about Isio</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">An industry-leading challenger, providing Pensions, Benefits, Investment and Wealth services – ensuring better outcomes for our clients.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/about-us/our-vision-and-values/">Our vision and values</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/about-us/sustainability/">Sustainability</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/inclusion-diversity-and-equity/">Inclusion & belonging</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/about-us/client-success-stories/">Client success stories</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/news/">News</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" href="https://www.isio.com/insights/isio-insights-maximising-value-from-employee-benefits/"> <div class="relative overflow-hidden object-cover w-full h-[220px]"> <img width="366" height="153" src="https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142.jpg" class="w-full h-full object-cover" alt="" decoding="async" srcset="https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142.jpg 1920w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-300x125.jpg 300w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-1024x427.jpg 1024w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-768x320.jpg 768w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-1536x640.jpg 1536w" sizes="(max-width: 366px) 100vw, 366px" /> <div class="absolute bottom-0 left-0 px-5 py-1 bg-white/80"> <span class="text-base text-brandGreen font-semibold uppercase">insight</span> </div> </div> </a> <a class="featured-link" href="https://www.isio.com/insights/isio-insights-maximising-value-from-employee-benefits/">Maximising value from employee benefits</a> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/our-people/">Our people</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Meet our amazing teams</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">Leading the way to a better, more progressive pensions industry.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/our-people/?department=13">Actuarial and consulting</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/our-people/?department=10">Pensions administration</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/our-people/?department=18">Investment advisory</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/our-people/?department=11">Reward and benefits</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/our-people/?department=19">Isio Wealth Planning</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" href="https://www.isio.com/insights/make-db-schemes-better-stronger-faster-and-simpler/"> <div class="relative overflow-hidden object-cover w-full h-[220px]"> <img width="366" height="199" src="https://www.isio.com/app/uploads/2023/11/pic2.webp" class="w-full h-full object-cover" alt="" decoding="async" srcset="https://www.isio.com/app/uploads/2023/11/pic2.webp 2464w, https://www.isio.com/app/uploads/2023/11/pic2-300x164.webp 300w, https://www.isio.com/app/uploads/2023/11/pic2-1024x558.webp 1024w, https://www.isio.com/app/uploads/2023/11/pic2-768x419.webp 768w, https://www.isio.com/app/uploads/2023/11/pic2-1536x837.webp 1536w, https://www.isio.com/app/uploads/2023/11/pic2-2048x1116.webp 2048w, https://www.isio.com/app/uploads/2023/11/pic2-720x392.webp 720w" sizes="(max-width: 366px) 100vw, 366px" /> <div class="absolute bottom-0 left-0 px-5 py-1 bg-white/80"> <span class="text-base text-brandGreen font-semibold uppercase">insight</span> </div> </div> </a> <a class="featured-link" href="https://www.isio.com/insights/make-db-schemes-better-stronger-faster-and-simpler/">Make DB schemes better, stronger, faster… and simpler</a> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/careers/">Careers</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">1100 people. Ten cities. One team.</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">Isio is built by challengers, innovators and forward-thinkers, striving to deliver higher levels of financial confidence.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/careers/">Our careers</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/careers/early-careers/">Early careers</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/careers/our-locations/">Our locations</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" href="https://www.isio.com/insights/a-positive-force-for-nature-reflecting-on-industry-developments/"> <div class="relative overflow-hidden object-cover w-full h-[220px]"> <img width="366" height="198" src="https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-366x198.png" class="w-full h-full object-cover" alt="" decoding="async" srcset="https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-366x198.png 366w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-300x163.png 300w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-1024x555.png 1024w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-768x416.png 768w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-1536x832.png 1536w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-2048x1109.png 2048w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-720x390.png 720w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-95x51.png 95w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-354x192.png 354w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-949x514.png 949w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-170x92.png 170w" sizes="(max-width: 366px) 100vw, 366px" /> <div class="absolute bottom-0 left-0 px-5 py-1 bg-white/80"> <span class="text-base text-brandGreen font-semibold uppercase">insight</span> </div> </div> </a> <a class="featured-link" href="https://www.isio.com/insights/a-positive-force-for-nature-reflecting-on-industry-developments/">A positive force for nature: Reflecting on industry developments</a> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li> </nav> <div class="hidden w-full items-center" x-bind:class="{ 'search_visible lg:flex ': search_bar.desktop_open }"> <form class="w-full text-right" x-show="search_bar.desktop_open" role="search" method="get" action="https://www.isio.com/" class="w-full"> <label> <span class="hidden">Search for</span> <input type="search" class="w-1/2" value="" name="s" /> </label> <input type="submit" class="ml-5 text-lg" value="Search" /> </form> </div> </div> <div class="flex gap-4"> <button class="hidden md:block" x-on:click="search_bar.desktop_open = ! search_bar.desktop_open"> <svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke-width="1.5" stroke="currentColor" class="w-6 h-6"> <path stroke-linecap="round" stroke-linejoin="round" d="M21 21l-5.197-5.197m0 0A7.5 7.5 0 105.196 5.196a7.5 7.5 0 0010.607 10.607z" /> </svg> </button> <div class="hidden md:flex self-center"> <a class="btn-primary" href="/contact">Contact</a> </div> </div> </div> <div class="lg:hidden container"> <div x-show="search_bar.mobile_open" class="w-full pb-6" style="display: none;"> <form class="flex gap-5 justify-between" role="search" method="get" action="https://www.isio.com/"> <label class="grow"> <span class="hidden">Search for</span> <input type="search" class="w-full" value="" name="s" /> </label> <input type="submit" class="text-lg" value="Search" /> </form> </div> </div> </div> </div> <nav id="mobile-menu" class="hidden relative overflow-x-hidden z-10 text-brandGreen"> <li class='px-6 border-b border-neutral-200 has-sub-menu flex justify-between items-center menu-item menu-item-type-post_type menu-item-object-page'><a class="block py-4" href="https://www.isio.com/what-we-do/">What we do</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 lg:font-bold text-black">What we do</h3> <ul> <li class="has-sub-menu flex justify-between items-center pl-1 pr-6 border-b border-neutral-200 border-t border-neutral-200"> <a href="https://www.isio.com/what-we-do/pensions/" class="text-lg py-3 ">Pensions</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 xl:font-bold text-black">Pensions</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/defined-benefit-consulting/">DB consulting</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/dc-consulting/">DC consulting</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/pensions-administration//">Pensions administration</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/secretarial-and-outsourced-pensions/">Secretarial & outsourced pension management</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/db-consolidation/">DB consolidation</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/settlement/">Insurance & risk settlement</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/regulatory-risk-rectification/">Pension remediation</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/operational-solutions/">Operational solutions</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/hr-and-pensions-ma/">HR and pensions M&A</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/covenant-solutions/">Covenant solutions</a></li> </ul> </div> </li> <li class="has-sub-menu flex justify-between items-center pl-1 pr-6 border-b border-neutral-200 "> <a href="https://www.isio.com/what-we-do/benefits/" class="text-lg py-3 ">Benefits</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 xl:font-bold text-black">Benefits</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline" href="https://www.isio.com/what-we-do/benefits/strategic-benefit-design/">Strategic benefit design</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/benefits/risk-and-healthcare/">Risk & healthcare</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/benefits/benefits-technology/">Benefits technology</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/benefits/employee-support-and-financial-wellbeing/">Employee support & financial wellbeing</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/benefits/pay-modelling/">Pay modelling</a></li> </ul> </div> </li> <li class="has-sub-menu flex justify-between items-center pl-1 pr-6 border-b border-neutral-200 "> <a href="https://www.isio.com/what-we-do/investment/" class="text-lg py-3 ">Investment</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 xl:font-bold text-black">Investment</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline" href="https://www.isio.com/private-capital/">Private Capital</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/investment/dc-investment/">DC investment</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/db-investment/">DB investment</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/investment/liability-hedging-and-ldi/">Liability hedging & LDI</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/investment/investment-manager-research/">Investment manager research </a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/investment/sustainable-investment/">Sustainable investment</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/investment/fiduciary-management-oversight/">Fiduciary management oversight</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/investment/buy-ins-and-buy-outs/">Buy-ins and buy-outs</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/investment/i-flo/">i-FLO</a></li> </ul> </div> </li> <li class="has-sub-menu flex justify-between items-center pl-1 pr-6 border-b border-neutral-200 "> <a href="https://www.isio.com/what-we-do/wealth/" class="text-lg py-3 ">Wealth</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 xl:font-bold text-black">Wealth</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline" href="https://www.isio.com/what-we-do/wealth/wealth-management/">Wealth management</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/wealth/member-advice/">Member advice</a></li> </ul> </div> </li> </ul> </div> </li><li class='px-6 border-b border-neutral-200 has-sub-menu flex justify-between items-center menu-item menu-item-type-post_type menu-item-object-page'><a class="block py-4" href="https://www.isio.com/solutions/">Solutions for you</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 font-bold text-black">Solutions for you</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"> <a class="hover:underline font-light" href="https://www.isio.com/solutions/trustees/">Trustees</a> </li> <li class="py-3 px-6 border-b border-neutral-200 "> <a class="hover:underline font-light" href="https://www.isio.com/solutions/employers/">Employers</a> </li> <li class="py-3 px-6 border-b border-neutral-200 "> <a class="hover:underline font-light" href="https://www.isio.com/solutions/individuals/">Individuals</a> </li> <li class="py-3 px-6 border-b border-neutral-200"> <a class="hover:underline font-light" href="https://www.yourisio.com/">Visit YourIsio.com</a> </li> </ul> </div></li><li class='px-6 border-b border-neutral-200 has-sub-menu flex justify-between items-center menu-item menu-item-type-post_type menu-item-object-page'><a class="block py-4" href="https://www.isio.com/digital/">Digital services</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 font-bold text-black">Digital services</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline font-light" href="https://www.isio.com/digital/digital-product-development/">Digital product development</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/digital/data-services/">Data services</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/digital/digital-transformation-and-change/">Digital transformation and change</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/digital/member-engagement/">Member engagement</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/digital/quantitative-development-services/">Quantitative development services</a></li> </ul> </div></li><li class='px-6 border-b border-neutral-200 has-sub-menu flex justify-between items-center menu-item menu-item-type-custom menu-item-object-custom'><a class="block py-4" href="/insights">Insights</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 font-bold text-black">Insights</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline font-light" href="https://www.isio.com/insights/us-election-result-what-does-this-mean-for-markets-and-investors/">US election result: what does this mean for markets and investors?</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/">The key takeaways from a highly anticipated Budget</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/insights/lgps-england-wales-low-risk-funding-index-30-september-2024-results/">LGPS (England & Wales) Low-Risk Funding Index: 30 September 2024 results</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/news/isio-quarterly-october-2024/">Isio Quarterly October 2024</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/news/isio-acquires-k3-advisory-to-bolster-risk-settlement-capabilities/">Isio acquires K3 Advisory to bolster risk settlement capabilities</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/insights/changing-dynamics-for-in-house-pensions-managers/">Changing dynamics for in-house pensions managers</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/insights/royal-mail-delivers-a-return-to-collectivism/">Royal Mail delivers a return to collectivism</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/insights/royal-londons-entry-into-the-bulk-annuity-market/">Get your benefits right or risk losing top talent</a></li> </ul> </div></li><li class='px-6 border-b border-neutral-200 has-sub-menu flex justify-between items-center menu-item menu-item-type-post_type menu-item-object-page'><a class="block py-4" href="https://www.isio.com/about-us/">About us</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 font-bold text-black">About us</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline font-light" href="https://www.isio.com/about-us/our-vision-and-values/">Our vision and values</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/about-us/sustainability/">Sustainability</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/inclusion-diversity-and-equity/">Inclusion & belonging</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/about-us/client-success-stories/">Client success stories</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/news/">News</a></li> </ul> </div></li><li class='px-6 border-b border-neutral-200 has-sub-menu flex justify-between items-center menu-item menu-item-type-post_type menu-item-object-page'><a class="block py-4" href="https://www.isio.com/our-people/">Our people</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 font-bold text-black">Our people</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline font-light" href="https://www.isio.com/our-people/?department=13">Actuarial and consulting</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/our-people/?department=10">Pensions administration</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/our-people/?department=18">Investment advisory</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/our-people/?department=11">Reward and benefits</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/our-people/?department=19">Isio Wealth Planning</a></li> </ul> </div></li><li class='px-6 border-b border-neutral-200 has-sub-menu flex justify-between items-center menu-item menu-item-type-post_type menu-item-object-page'><a class="block py-4" href="https://www.isio.com/careers/">Careers</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 font-bold text-black">Careers</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline font-light" href="https://www.isio.com/careers/">Our careers</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/careers/early-careers/">Early careers</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/careers/our-locations/">Our locations</a></li> </ul> </div></li> <div class="mt-6 lg:hidden text-center"> <a class="btn-primary" href="/contact">Contact</a> </div> </nav> </header> <div id="content"> <section id="primary"> <main id="main"> <article id="post-15051" class="post-15051 success-story type-success-story status-publish has-post-thumbnail hentry success-story-category-case-studies"> <div class="entry-content prose prose-neutral max-w-none prose-a:text-primary"> <section class=" bg-brandGreen "> <div class="page-header relative bg-no-repeat no-header-image "> <div class="container pb-14 pt-5 md:pt-14 lg:py-0 relative flex h-full items-center "> <div class="breadcrumb hidden lg:block absolute top-3.5 "> <span><span class="bc-link"><a href="https://www.isio.com/">Home</a></span> <span class="bc-seperator">»</span> <span class="bc-link"><a href="https://www.isio.com/success-stories/">Success stories</a></span> <span class="bc-seperator">»</span> <span class="breadcrumb_last" aria-current="page">Overcoming challenges to facilitate an insurance buy-in</span></span> </div> <div class="max-w-[600px] text-white flex-col text-left pt-16 pb-8 lg:pt-28 lg:pb-20"> <div class="headings flex flex-col-reverse gap-2"> <h1 class="mb-4 h1"> Overcoming challenges to facilitate an insurance buy-in </h1> </div> </div> </div> </div> </section> <section class="text-wrapper text-block small-width "> <div class="container"> <div class="acf-innerblocks-container"> <p>We had previously assisted the client to implement two Asset-Backed Contribution (ABC) arrangements to efficiently fund their defined benefit pension scheme.</p> <p>Due to improvement in the funding level, the client wanted to explore the feasibility of an insurance buy-in and to take advantage of attractive pricing in the insurance market.</p> <p>However, there were a number of challenges to overcome:</p> <ul class="wp-block-list"> <li>The two ABC arrangements would have to be unwound and the tax and accounting implications addressed</li> <li>The client and the trustee would need to agree a payment in lieu of the ABCs, ensuring this was structured tax efficiently and avoided triggering any ‘value-shifting’ charges</li> <li>The scheme had a significant proportion of illiquid assets which could not be used to fund the insurance premium.</li> </ul> <p>With our unrivalled experience and knowledge of ABCs, including the ability to deal with the tax and accounting implications, we quickly developed a steps plan that meant the ABCs could be unwound in an efficient way.  We also ensured we addressed the possible obstacles that the trustees would need to overcome in agreeing to the structure.</p> <p>In particular we proposed a payment arrangement to provide the necessary funds to pay the initial buy-in premium and top-ups and to reflect the removal of the ABCs that was structured to minimise the impact of the pension spreading rules and to dovetail with the commercial arrangements.</p> <p>While the client had already negotiated a deferred premium arrangement for the payment for part of the insurance buy-in, we structured a loan facility arrangement from the client to the trustees to provide the necessary liquidity over the deferral period.  We had to ensure this addressed the uncertainty over the actual realisation proceeds from the illiquid assets and to appropriately protect the position of both the company and trustee. This included an innovative option mechanic to give maximum flexibility over the timing of the realisation while ensuring the deferred premium could be paid on time and the loan repaid.</p> <p>At the outset, the project required a number of challenging constraints to be overcome in a short period of time to optimise the insurance pricing and reflecting the need to transact over the company year end for accounting and tax reasons.  However, rising to such challenges is in Isio’s DNA and we delivered a workable solution from the client that resulted in a full buy-in, securing members’ benefits, that met all the key objectives of the company.</p> </div> </div> </section> <section class="bg-grey-dient"> <div class="pt-20"> <div class="container grid md:grid-cols-2 md:gap-36"> <div> <h2 class="text-brandGreen-100 text-[2.875rem] font-semibold mb-12 leading-[4.25rem] md:text-[4.75rem]">Get in touch </h2> </div> <div> <p class="text-black text-[1.1875rem] font-normal mb-4"></p> </div> </div> </div> <div class="container hidden md:block pt-16 pb-10"> <div class="flex flex-row justify-start"> <div class="text-black transition-opacity duration-500"> <img decoding="async" class="h-72 w-72 mx-auto rounded-full max-w-none mb-5 object-cover" src="https://www.isio.com/app/uploads/2023/11/Remove-background-project-21.png" alt="Image"> <strong class="text-brandGreen-100 text-[1.175rem] font-medium">Ian Cochrane</strong> <p class="text-black text-lg font-light mb-2">Director</p> <p class="text-black mb-3"></p> <p class="text-black text-lg font-light"></p> <a class="text-brandGreen-100 block hover:underline text-lg font-light" href="mailto:ian.cochrane@isio.com">ian.cochrane@isio.com</a> <a href="https://www.isio.com/person/ian-cochrane/" class="mx-auto btn-primary btn-outline mt-10">See full profile</a> </div> </div> </div> </div> <div class="hidden md:block container text-center pt-5 md:pb-40"> <a class=" mx-auto btn-primary " href="/our-people">Our people</a> </div> </section> <section class="md:hidden bg-grey-dient pt-10"> <div class="container quoteSwiper overflow-hidden"> <div class="flex justify-center w-full pt-16"> <div class=""> <div class="text-black transition-opacity duration-500 flex flex-col justify-center"> <img decoding="async" class="h-72 w-72 mx-auto rounded-full max-w-none mb-5 object-cover" src="https://www.isio.com/app/uploads/2023/11/Remove-background-project-21.png" alt="Image"> <strong class="text-brandGreen-100 text-[1.175rem] font-medium">Ian Cochrane</strong> <p class="text-black text-lg font-light mb-2">Director</p> <p class="text-black mb-3"></p> <p class="text-black text-lg font-light"></p> <a class="text-brandGreen-100 block hover:underline text-lg font-light" href="mailto:ian.cochrane@isio.com">ian.cochrane@isio.com</a> <a href="https://www.isio.com/person/ian-cochrane/" class="mx-auto btn-primary btn-outline mt-10 items-center ">See full profile</a> </div> </div> </div> </div> <div class="md:hidden container text-center mt-20 mb-8"> <a class=" mx-auto btn-primary " href="/our-people">Our people</a> </div> </section> <div style="height:100px" aria-hidden="true" class="wp-block-spacer"></div> <div class="get-in-touch md:h-[250px] bg-no-repeat bg-bottom xl:bg-left-bottom bg-brandGreen-light py-14 md:py-0"> <div class="container text-white flex flex-col md:flex-row items-center space-between h-full"> <div class="flex flex-col xl:flex-row items-center md:items-start xl:items-center"> <h2 class="text-left text-5xl xl:basis-[400px] mb-8 xl:mb-0">Get in touch</h2> <p class="text-2xl px-5 md:px-0 xl:basis-[320px] mb-6 md:mb-0">Talk to us today to see how our bolder thinking can get you better results.</p> </div> <div class="flex flex-col xl:flex-row items-center"> <a href="tel: +44 (20) 7123 6000" class="xl:w-[280px] font-semibold text-[26px] whitespace-nowrap">+44 (20) 7123 6000</a> <a class="btn-primary btn-white whitespace-nowrap mt-6 xl:mt-0" href="https://www.isio.com/contact/" >Contact us</a> </div> </div> </div> </div> </article> </main> </section> </div> <footer data-wpr-lazyrender="1"> <div class="footer py-5"> <div class="container pt-10 pb-10"> <div class="footer-menus-container lg:w-max"> <div class="2xl:flex gap-16 xl:gap-x-36 flex-col md:flex-row lg:pb-11 border-b border-[#d9d9d9]"> <div class="footer-menu mb-10 2xl:mb-0"> <h3 class="text-[28px] font-medium text-brandGreen mb-4">Company</h3> <ul id="menu-company" class="grid grid-cols-2 gap-y-4 gap-x-8 lg:gap-x-28"><li id="menu-item-85" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-85"><a href="https://www.isio.com/about-us/">About us</a></li> <li id="menu-item-89" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-89"><a href="https://www.linkedin.com/company/isiogroup/">Follow us on LinkedIn</a></li> <li id="menu-item-87" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-87"><a href="https://www.isio.com/about-us/sustainability/">Sustainability</a></li> <li id="menu-item-86" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-86"><a href="https://www.isio.com/about-us/our-vision-and-values/">Our vision and values</a></li> <li id="menu-item-88" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-88"><a href="https://www.isio.com/inclusion-diversity-and-equity/">Inclusion & belonging</a></li> <li id="menu-item-90" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-90"><a href="https://www.isio.com/our-people/">Our people</a></li> <li id="menu-item-91" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-91"><a href="https://www.isio.com/careers/">Careers</a></li> <li id="menu-item-92" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-92"><a href="https://www.isio.com/careers/our-locations/">Our locations</a></li> </ul> </div> <div class="footer-menu mb-10 lg:mb-0"> <h3 class="text-[28px] font-medium text-brandGreen mb-4">Services</h3> <ul id="menu-services" class="grid grid-cols-2 gap-y-4 gap-x-8 lg:gap-x-28"><li id="menu-item-93" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-93"><a href="https://www.isio.com/what-we-do/pensions/">Pension services</a></li> <li id="menu-item-97" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-97"><a href="https://www.isio.com/solutions/trustees/">Services for trustees</a></li> <li id="menu-item-94" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-94"><a href="https://www.isio.com/what-we-do/benefits/">Benefits services</a></li> <li id="menu-item-98" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-98"><a href="https://www.isio.com/solutions/employers/">Services for employers</a></li> <li id="menu-item-95" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-95"><a href="https://www.isio.com/what-we-do/investment/">Investment services</a></li> <li id="menu-item-99" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-99"><a href="https://www.isio.com/solutions/individuals/">Services for individuals</a></li> <li id="menu-item-96" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-96"><a href="https://www.isio.com/what-we-do/wealth/">Wealth services</a></li> <li id="menu-item-100" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-100"><a href="https://www.isio.com/digital/">Digital services</a></li> </ul> </div> </div> <div class="flex flex-col lg:flex-row justify-between gap-10 lg:gap-16 pt-10"> <ul id="menu-footer-3" class="footer-menu flex flex-wrap gap-5 md:gap-14 lg:gap-2 justify-start lg:justify-between lg:items-center w-full"><li id="menu-item-18935" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-18935"><a href="https://www.isio.com/privacy/">Privacy</a></li> <li id="menu-item-1594" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1594"><a href="https://www.isio.com/terms-and-conditions/">Legal</a></li> <li id="menu-item-2117" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-2117"><a href="https://www.isio.com/app/uploads/2024/04/Modern-Slavery-Statement-March-2024.pdf">Modern Slavery Statement</a></li> <li id="menu-item-1592" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1592"><a href="https://www.isio.com/gender-pay-gap/">Gender Pay Gap</a></li> <li id="menu-item-11284" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-11284"><a href="https://www.isio.com/app/uploads/2023/12/IFPR-Disclosures.pdf">IFPR disclosures</a></li> </ul> <p class="lg:hidden block font-light text-lg text-brandGreen"> © Isio Group Limited/Isio Services Limited 2024. All rights reserved. </p> <div class="flex gap-2"> </div> </div> <p class="hidden lg:block font-light text-brandGreen text-lg pt-2"> © Isio Group Limited/Isio Services Limited 2024. All rights reserved. </p> </div> <div class="lg:hidden"> <img class="h-[330px] ml-auto mt-8" src="https://www.isio.com/app/themes/isio/theme/images/logo_alt.png" alt="Isio" /> </div> </div> </footer>  <script type="text/javascript" src="https://cdn-ukwest.onetrust.com/consent/b5dfa5c5-67d7-4509-90ae-624a3d646ca6/OtAutoBlock.js" ></script> <script src="https://cdn-ukwest.onetrust.com/scripttemplates/otSDKStub.js" type="text/javascript" charset="UTF-8" data-domain-script="b5dfa5c5-67d7-4509-90ae-624a3d646ca6" ></script> <script type="text/javascript"> function OptanonWrapper() { } </script>  </div> <script src="https://cdn.jsdelivr.net/npm/swiper@10/swiper-bundle.min.js" id="swiper-js-js"></script> <script id="isio-script-js-extra"> var isio = {"ajax_url":"https:\/\/www.isio.com\/wp\/wp-admin\/admin-ajax.php"}; </script> <script src="https://www.isio.com/app/themes/isio/theme/assets/js/script.min.js?ver=0.1.0" id="isio-script-js"></script> <script>var rocket_beacon_data = {"ajax_url":"https:\/\/www.isio.com\/wp\/wp-admin\/admin-ajax.php","nonce":"11a1e66027","url":"https:\/\/www.isio.com\/success-stories\/overcoming-challenges-to-facilitate-an-insurance-buy-in","is_mobile":false,"width_threshold":1600,"height_threshold":700,"delay":500,"debug":null,"status":{"atf":true,"lrc":true},"elements":"img, video, picture, p, main, div, li, svg, section, header, span","lrc_threshold":1800}</script><script data-name="wpr-wpr-beacon" src='https://www.isio.com/app/plugins/wp-rocket/assets/js/wpr-beacon.min.js' async></script></body> </html>

CINXE.COM

Overcoming challenges to facilitate an insurance buy-in - Isio